“Demand” deposit enables a Customer to place funds in RUB until demanded back. Throughout the Agreement the original amount deposited may be topped up with additional payments by the Customer. The deposit is returned fully or partially upon the Customer’s first demand.

Interest accrual on minimal account balance is subject to Addendum to the Bank Account Agreement. The minimal balance amount denominated in rubles bears interest on the Customer’s current account with the Bank.

The minimal balance amount and interest accrual rate are stipulated in Addendum to the Bank Account Agreement.

Interest accrual on monthly average account balance is subject to Addendum to the Bank Account Agreement.

The monthly average account balance and interest payment procedure are stipulated in the existing interest calculation and payment terms and conditions.